Ahmedabad: The patron courts have ordered ICICI Lombard Common Insurance coverage Co Ltd to revive two Mediclaim insurance policies of Chandrima Chakravorty, who misplaced them after she underwent a surgical procedure for weight discount eight years in the past.
The insurer not solely refused to pay Rs 4 lakh for her therapy however cancelled her insurance policies on foundation of her treating medical doctors’ report that she was affected by disc prolapse for five years earlier than the surgical procedure, since 2008. The insurer additionally bought a chance to state that Chakravorty had hidden the very fact about her pre-existing illness and terminated her Mediclaim insurance policies accusing her of suppression of details about pre-existing illness. She was having the issue since 2008 and didn’t disclose it whereas acquiring the coverage in2012.
Chakravorty approached the Shopper Dispute Redressal Discussion board, Ahmedabad (rural), which ordered the insurer to pay her Rs 4 lakh and restore her insurance policies. However the firm challenged the discussion board’s order earlier than Gujarat State Shopper Dispute Redressal Fee, which upheld the choice.
The fee didn’t settle for the insurer’s rivalry that the affected person had hidden her pre-existing illness and concluded that the medical doctors’ certificates didn’t disclose since when Chakravorty had disc prolapse.
Chakravorty (35) was 143 kg and had BMI of 49.23. She underwent bariatric process for morbid weight problems in Might 2013. Whereas searching for Mediclaim of Rs 4 lakh for her therapy, she mentioned it was a surgical procedure to forestall complication arising from morbid weight problems. Her declare was rejected on the bottom that her coverage didn’t cowl therapy of weight problems.
Whereas ordering restoration of insurance policies, the fee requested the insurer to pay Rs 5,000 compensation to her for psychological ache and authorized expenditure.